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Established Member
1970charger
Posts: 13
Registered: ‎04-08-2010
0

Update to CAP1 EO office return call

:smileyhappy: WOW OK soft pull they went from $500. To $3000. Yea Baby. As the earlier post stated also got 1.5% cash back $37 refund on annual fee, and  APR reduction of 5%. To all a great thanks.:smileyvery-happy:

Contributor
Eightiron
Posts: 158
Registered: ‎08-23-2013
0

Re: Update to CAP1 EO office return call

I Just called today and asked for an increase from 500 to 3000. (thanks to everyone who PMed me the number).  I hope I get the same result!

 

CONGRATS 1970Charger!


Gardening now for that spring harvest Entered 9/4/13 leaving 4/14
Frequent Contributor
lajntx
Posts: 267
Registered: ‎06-26-2009
0

Re: Update to CAP1 EO office return call

[ Edited ]

1970charger wrote:

:smileyhappy: WOW OK soft pull they went from $500. To $3000. Yea Baby. As the earlier post stated also got 1.5% cash back $37 refund on annual fee, and  APR reduction of 5%. To all a great thanks.:smileyvery-happy:


A complete total opposite experience from what I had today with their front line CSR`s. I have a card I was going to cancel anyways because I knew they had ZERO interest in increasing the CL -  but wanted to give them the opportuniuty to waive the AF.

 

Had an HSBC Discover Direct Rewards Card that I opened 4 years ago. Never missed a payment, never late, and for most of that time kept a balance of at least $200.

 

Starting limit: $300. CLI`s none. AF $69

 

After I got my insurance settlement last month, I PIF all of my cards. I asked for a 1 time courtesy of the AF to see if this card might become better after transition. NOPE. I got the ususal canned " I`m sorry we cannot do that at this time "

 

What to do? Hmmmmmmmm

 

Just cancel it...

 

The card was cancelled due to C-1 refusing to waive the AF and was willing to let a 4 year old account that never gave them single a red cent of  trouble be closed. Why spend billions aquiting accounts you are willing to let card members that pay their bills walk away from?

 

Meanwhile the EO litteraly gives away the bank to people "gaming" the system and that is why this bank really sucks.

EQ- 647, EX- 641, TU- 644
Sept `13 - ZERO Debt, 100% Liquid, AND a climbing credit score. Eat your heart out Dave Ramsey!
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Senior Contributor
myjourney
Posts: 26,659
Registered: ‎02-07-2013
0

Re: Update to CAP1 EO office return call


1970charger wrote:

:smileyhappy: WOW OK soft pull they went from $500. To $3000. Yea Baby. As the earlier post stated also got 1.5% cash back $37 refund on annual fee, and  APR reduction of 5%. To all a great thanks.:smileyvery-happy:


Congrats 

"Intelligence plus character--that is the goal of true education"
Last 5 apps 6/13


Community Leader
Senior Contributor
SunriseEarth
Posts: 4,829
Registered: ‎08-12-2013
0

Re: Update to CAP1 EO office return call


lajntx wrote:

 

Meanwhile the EO litteraly gives away the bank to people "gaming" the system and that is why this bank really sucks.



Don't hate the player.  Hate the game.

 

Anyway, the logical question is "Why not try calling the EO?"


Start: 619 (Wally, 9/2013) | Current: 669 (Wally, 12/8/14), 703 (EQ myFICO 8/13/14)
Care Credit $10200 | JCP $5000 | Walmart Store $5000 | Amazon Store $5000 | AMEX BCE $4500 | Overstock $4300 | Cap 1 QS1 $4000 | AMEX Costco TE $3500 | Macy's Special Events $2900 | Macy's Revolving $2500 | CU Visa $2500 | Sony Card $2500 | Macy's AMEX $1500 | Citi DC WMC $1200 | Merrick $1200 | VS $1150 | Gold Violin $1150 | Target $1000 | ~~Gardening Since 12/2/14
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Senior Contributor
SunriseEarth
Posts: 4,829
Registered: ‎08-12-2013
0

Re: Update to CAP1 EO office return call

Congrats on the CLI! 

 

When I called the EO yesterday, I asked to go from $400 to $1200.  I'll cross my fingers on getting there, but I'll accept any increase on this card.


Start: 619 (Wally, 9/2013) | Current: 669 (Wally, 12/8/14), 703 (EQ myFICO 8/13/14)
Care Credit $10200 | JCP $5000 | Walmart Store $5000 | Amazon Store $5000 | AMEX BCE $4500 | Overstock $4300 | Cap 1 QS1 $4000 | AMEX Costco TE $3500 | Macy's Special Events $2900 | Macy's Revolving $2500 | CU Visa $2500 | Sony Card $2500 | Macy's AMEX $1500 | Citi DC WMC $1200 | Merrick $1200 | VS $1150 | Gold Violin $1150 | Target $1000 | ~~Gardening Since 12/2/14
Frequent Contributor
blunderer
Posts: 377
Registered: ‎01-09-2013
0

Re: Update to CAP1 EO office return call

1970charger - Niiiice!!! Congrats.

Frequent Contributor
lajntx
Posts: 267
Registered: ‎06-26-2009
0

Re: Update to CAP1 EO office return call


SunriseEarth wrote:

lajntx wrote:

 

Meanwhile the EO litteraly gives away the bank to people "gaming" the system and that is why this bank really sucks.



Don't hate the player.  Hate the game.

 

Anyway, the logical question is "Why not try calling the EO?"


Because the EO cannot do anything with the Discover Rewards cards as they are on a seperate system, and quite frankly I think they plan on spinning them off to some other bank in the future to avoid doing business with the Discover network.. I dont hate the player.... Just the game that wont be there in the future when someone legitimately does neet EO assistance but wont get it because they allowed the system to be gamed to the point that the bank closes it.

EQ- 647, EX- 641, TU- 644
Sept `13 - ZERO Debt, 100% Liquid, AND a climbing credit score. Eat your heart out Dave Ramsey!
Valued Contributor
Crashem
Posts: 3,096
Registered: ‎01-26-2012
0

Re: Update to CAP1 EO office return call


lajntx wrote:

SunriseEarth wrote:

lajntx wrote:

 

Meanwhile the EO litteraly gives away the bank to people "gaming" the system and that is why this bank really sucks.



Don't hate the player.  Hate the game.

 

Anyway, the logical question is "Why not try calling the EO?"


Because the EO cannot do anything with the Discover Rewards cards as they are on a seperate system, and quite frankly I think they plan on spinning them off to some other bank in the future to avoid doing business with the Discover network.. I dont hate the player.... Just the game that wont be there in the future when someone legitimately does neet EO assistance but wont get it because they allowed the system to be gamed to the point that the bank closes it.


I wouldn't calling using the EO as gaming the system.  Capital One is in weird situation of serving the entire credit spectrum.  I'm sure they have studied the subprime customers behavior and have determined that they need to put hard limits in place etc. given the risk.  Remember if 51% of subprime customers are irresponsible and default, it makes sense for them to just collect their AF and other random money.  They obviously handle their "prime" customers differently.  It could also be that their front line CS can't be trusted beyond a very limited scope (most companies' front line reps are limited).  Capital One's EO seems less of a true EO and more of a level two CS.  They all seem better trained and can be better trusted.

               LIMITS IN CARD DESCRIPTIONS
Established Member
lissa1184
Posts: 47
Registered: ‎04-14-2013
0

Re: Update to CAP1 EO office return call

Congrats on the increase! I too have called in and requested an increase from $400 to $3k. We'll see what happens.


Starting Scores May 2013: EQ 604 TU 661 EX 690
Goal Scores: 700+

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